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Breaking: Major change to 5% deposit scheme could save you thousands.

Posted by Chris Collard on 2 September 2025
Breaking: Major change to 5% deposit scheme could save you thousands.
If you’ve been dreaming of owning your first home, there’s big news that could make it easier than ever to take that next step.Starting 1 October, the government is expanding the Home Guarantee Scheme, allowing eligible buyers to purchase a property with just a 5% deposit, and no lenders mortgage insurance (LMI). That’s a potential saving of tens of thousands of dollars.BOOK NOWWhat’s changing?No income limits – anyone buying their first home can apply.Higher property price caps –...
Posted in:First Home Buyerssmart investinghome buying5% deposit schemehome guarantee scheme  

Redraw vs Offset: What first-home buyers should know.

Posted by Mark Attard on 26 August 2025
Redraw vs Offset: What first-home buyers should know.
Spring is one of the busiest times in the property market. If you’re planning to buy your first home, you’re likely seeing more listings, and more competition. That’s why being prepared matters, not just with your budget, but with understanding your loan options.BOOK NOWBeyond interest rates, there are features in your home loan that can help you save money over time. Two of the most common are redraw facilities and offset accounts. They both help reduce the interest you pay, but they w...
Posted in:Home loansFirst Home Buyerssmart investingoffsetredraw  

Steps to take today to buy tomorrow.

Posted by Chris Collard on 23 January 2024
Steps to take today to buy tomorrow.
Thinking about purchasing your own home this year? How exciting!  The dream of homeownership is facing some new challenges, especially for those in their twenties. Recent data from the Australian Institute of Health and Welfare shows the rate of young adults owning a home dropped from 50% in 1971 to only 36% in the latest 2021 Census. Even for those aged 30–34, it fell from 64% to 60%.   But the dream of having your own home is still very much alive! &nbs...
Posted in:Property Investmentproperty investorsproperty purchasesmart investing  

Is a small budget holding you back from investing in property?

Posted by Mark Attard on 23 August 2023
Is a small budget holding you back from investing in property?
  Is a small budget holding you back from property investment? Think again! You might be surprised to learn that you don’t need a hefty bank balance to dive into the property market. Let’s see how you could make this dream a reality. 1. Unlock Your Home’s Potential Through Equity Equity is the difference between your property’s market value and what you owe the bank. For instance, if your home is worth $800,000 and you owe $500,000, you have $300,000 in equit...
Posted in:Investmentbudget savvysmart investing